Community Bank System Inc (CBU) — Cash Flow-to-Debt Ratio
Community Bank System Inc (CBU) has a Cash Flow-to-Debt Ratio of 0.00x as of March 2026, meaning its operating cash flow of $71.56 Million could theoretically repay 0% of its total liabilities ($15.72 Billion) in one year. See how financially flexible is Community Bank System Inc to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Community Bank System Inc Cash Flow-to-Debt Ratio (1989–2025)
Historical debt coverage capacity for Community Bank System Inc across 37 annual periods. For the full cash flow conversion analysis, see CBU cash generation efficiency.
Annual Cash Flow-to-Debt Ratio for Community Bank System Inc (1989–2025)
Year-by-year debt coverage analysis for Community Bank System Inc. Check CBU cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $301.86 Million | $15.41 Billion | ▲ +18.2% |
| 2024 | 0.02x | $242.28 Million | $14.62 Billion | ▲ +0.5% |
| 2023 | 0.02x | $228.42 Million | $13.86 Billion | ▲ +9.7% |
| 2022 | 0.02x | $214.60 Million | $14.28 Billion | ▼ -0.2% |
| 2021 | 0.02x | $202.55 Million | $13.45 Billion | ▼ -0.8% |
| 2020 | 0.02x | $179.48 Million | $11.83 Billion | ▼ -28.4% |
| 2019 | 0.02x | $202.50 Million | $9.56 Billion | ▼ -14.9% |
| 2018 | 0.02x | $221.41 Million | $8.89 Billion | ▲ +19.6% |
| 2017 | 0.02x | $189.67 Million | $9.11 Billion | ▲ +14.5% |
| 2016 | 0.02x | $135.77 Million | $7.47 Billion | ▲ +12.7% |
| 2015 | 0.02x | $119.57 Million | $7.41 Billion | ▼ -14.1% |
| 2014 | 0.02x | $122.10 Million | $6.50 Billion | ▲ +13.2% |
| 2013 | 0.02x | $103.18 Million | $6.22 Billion | ▲ +0.9% |
| 2012 | 0.02x | $108.42 Million | $6.59 Billion | ▼ -0.5% |
| 2011 | 0.02x | $94.38 Million | $5.71 Billion | ▼ -17.7% |
| 2010 | 0.02x | $97.09 Million | $4.84 Billion | ▲ +120.0% |
| 2009 | 0.01x | $44.13 Million | $4.84 Billion | ▼ -25.2% |
| 2008 | 0.01x | $56.50 Million | $4.63 Billion | ▲ +1.7% |
| 2007 | 0.01x | $50.60 Million | $4.22 Billion | ▼ -33.8% |
| 2006 | 0.02x | $73.10 Million | $4.04 Billion | ▼ -7.0% |
| 2005 | 0.02x | $71.97 Million | $3.70 Billion | ▼ -10.8% |
| 2004 | 0.02x | $85.61 Million | $3.92 Billion | ▲ +3.2% |
| 2003 | 0.02x | $73.07 Million | $3.45 Billion | ▲ +13.4% |
| 2002 | 0.02x | $58.08 Million | $3.11 Billion | ▲ +19.8% |
| 2001 | 0.02x | $45.88 Million | $2.94 Billion | ▲ +18.2% |
| 2000 | 0.01x | $31.91 Million | $2.42 Billion | ▼ -42.6% |
| 1999 | 0.02x | $39.10 Million | $1.70 Billion | ▼ -1.5% |
| 1998 | 0.02x | $36.40 Million | $1.56 Billion | ▲ +48.6% |
| 1997 | 0.02x | $23.80 Million | $1.52 Billion | ▲ +14.0% |
| 1996 | 0.01x | $17.00 Million | $1.23 Billion | ▲ +26.0% |
| 1995 | 0.01x | $11.50 Million | $1.05 Billion | ▼ -30.2% |
| 1994 | 0.02x | $13.30 Million | $849.20 Million | ▼ -19.1% |
| 1993 | 0.02x | $12.60 Million | $651.10 Million | ▲ +9.3% |
| 1992 | 0.02x | $10.90 Million | $615.90 Million | ▲ +46.1% |
| 1991 | 0.01x | $7.10 Million | $586.30 Million | ▼ -18.6% |
| 1990 | 0.01x | $8.50 Million | $571.50 Million | ▼ -5.6% |
| 1989 | 0.02x | $8.50 Million | $539.70 Million | — |